Grand Rivers Community Bank


Overview / Commentary
618-634-2208
260 S Main St
Grand Chain, IL 62941

Grand Rivers Community Bank is headquartered in GRAND CHAIN and is the 335th largest bank in the state of Illinois. It is also the 4,409th largest bank in the nation. It was established in 1902 and as of March of 2025, it had grown to 7 employees at 2 locations. Grand Rivers Community Bank has a D health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Grand Rivers Community Bank has a low asset base, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #10816
Year Established1902
Employees7
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.31%
Return on Equity - YTD-13.9%
Annual Interest Income$247K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$18.2MM$24.5MM
LoansQ1 2025vs Q1 2024$12.2MM$14.4MM
DepositsQ1 2025vs Q1 2024$16.1MM$22MM
Equity CapitalQ1 2025vs Q1 2024$1.7MM$2.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$550K$395K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.3MM$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


Grand Rivers Community Bank Locations
Grand Rivers Community Bank260 S Main StGrand Chain, IL 62941
Karnak Branch406 Washington StreetKarnak, IL 62956
Shawneeton Branch105 E. Shawnee AvenueShawneetown, IL 62984

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